Watercraft & Boat Insurance in Haines City, FL

Cathy Boyd's 1st Class Insurance Services has deep roots in Florida—we’re no strangers to the boating culture here. We know the local waters, the weather, and the challenges of Florida boating. Our expertise ensures you get coverage tailored to the risks you may encounter in this beautiful state.

Contact us today for a personalized boat insurance quote.

What Boat Insurance Do I Need?

Florida law does not require a boat policy, but if you lease or finance your boat, the lienholder typically requires you to maintain boat coverage.

Many marinas and docks in Florida require boat owners to have insurance before docking their vessels. It’s essential to check with your marina or dock facility for their specific insurance requirements.

What Does Boat Insurance Cover?

Boat coverage may help provide financial protection in case of accidents, theft, vandalism or other covered events. Without insurance, you may have to pay for repairs, replacement or damages out of pocket.

Boat policies in Florida typically offer various coverage options, including liability coverage, physical damage coverage, medical payments coverage, uninsured boater coverage and more. The specific coverage you need may depend on your boat’s size, type and intended use.

Your agent may recommend starting with boat liability insurance, which can help protect you in case you cause damage to other boats and property or injure someone while operating your vessel.

Having appropriate insurance can protect you, your passengers and your investment in case of accidents or unexpected events while enjoying Florida’s waterways.

Contact Us

Contact Cathy Boyd's 1st Class Insurance Services today for a boat insurance quote. We can help you secure the right boat coverage for your needs.

Our agents serve central Florida, including Haines City, Davenport, Lake Alfred, Auburndale, Winter Haven, Lake Hamilton, Dundee, Waverly, Poinciana, Lake Wales, Frostproof, Avon Park, Clermont, Loughman and Kissimmee.